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It seems hard to not to buy into the 401k match your employer is providing. How bad could the options be? I'm not an advisor, but from my experience with creating my own accounts, you need to be an incorporated business for a SEP IRA and Individual 401k. I chose the individual 401k to be my secondary account to contribute to after my Roth IRA because of the tax advantage. In previous years with higher earnings adding to a SEP IRA on top of the other two worked out well considering I didn't have any employees that year that the SEP IRA requires a matching contribution of. I do all of this biz through Schwab btw.
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